Generally, the longest loan period of personal loans is 30 years, and the loan period is different according to different loan types. For example, personal housing loans can last for 30 years, and personal car loans can last for 5 years.

In addition, the loan interest rates corresponding to different loan years are also different, generally floating on the benchmark interest rate of central bank loans. The benchmark interest rate is:

The interest rate of commercial loans within one year is 4.35%;

The interest rate of provident fund loans for more than five years is 3.25%.

The interest rate of commercial loans within one to five years is 4.75%;

The interest rate of provident fund loans within one to five years is 2.75%;

The interest rate of commercial loans over five years is 4.90%;

Extended data:

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

Loan security is the primary problem faced by commercial banks;

Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time;

Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.

In civil law, interest is the legal fruit of principal.

Equal principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

Average capital repayment method: that is, the borrower repays the loan in every installment (month) during the whole repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

How many years is the maximum bank loan?

Question 1: How many years can a bank's personal credit loan last at most? Generally speaking, the loan term has a certain relationship with the loan type. Just like the mortgage loan that everyone usually applies for, the longest term can reach 30 years, but the specific term still depends on the borrower's demand and the borrower's credit status. If the borrower has good credit status, high income and stable job, the loan period can be longer, otherwise it will be shorter. So the longest service life is five years. Therefore, the borrower's qualification is no matter how good, and the service life cannot exceed five years. If you want to apply for a longer-term loan, the bank will advise the borrower to apply for a mortgage loan.

Question 2: What is the longest bank loan? Hello, what is the purpose of your loan? In which city are you going to apply for a loan?

The term of different types of loans is different.

If you have any other questions, please visit "Customer Service Online" of China Merchants Bank (:forum.cmbchina/. ... Quanshan Security u=0), and we will serve you wholeheartedly! Thank you for your attention and support!

Question 3: How much can a bank mortgage loan borrow at most? How many years can I keep it? Hello! According to the current policy, the longest repayment period of housing loans is 30 years, the minimum down payment ratio is 30%, and the maximum loan is 70%.

Question 4: The longest bank loan can be 30 years.

Conditions for loan processing:

1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

Question 5: The longest term of bank loan is several years, and the longest term of real estate mortgage is three years.

Preparation materials for real estate mortgage:

1. ID card;

2. Marriage certificate;

3. Real estate license (big red);

4. proof of income;

5. Banks are flowing.

Question 6: I would like to ask about the maximum period of bank loans, the amount of provident fund loans and the loan period as follows: the amount of provident fund loans is calculated according to the total amount of provident fund deposits, which is generally 30 times of the total amount of deposits and does not exceed 500,000, but this is based on the policies of various provident fund centers. The loan period is calculated according to the lender's age and house age. Apply for a new house loan, the longest loan can be 30 years, men can reach 65 years old, women can reach 60 years old.

Question 7: How many years does a bank loan usually last? It depends on what kind of loan you have. If it is a housing loan, it shall not exceed 30 years; if it is a commercial loan, it shall not exceed 10 years.

Question 8: What is the longest bank loan? At present, according to the regulations, the longest term of housing mortgage consumer loans is 20 years. Of course, it is also directly related to the age of the room. Most banks will limit the age of the house to 10 year. According to the different personal credit status, banks will fluctuate in different degrees on the benchmark interest rate of the central bank.

You can do a free real estate appraisal in Qiang Sen to find out your loan term and interest rate.

Question 9: The longest bank loan to buy a house can be divided into several years, and the longest bank loan to buy a house is 30 years.

Generally five years, 10 years, 20 years.

Remarks: The longer the loan time, the more interest you need to give to the bank.

Question 10: What is the longest term of a bank loan? If China Merchants Bank handles loans, what are the types of loans? For example, the longest mortgage is generally 30 years.

What is the longest term of bank credit loan?

The longest bank credit loan shall not exceed 5 years. Credit loans are unsecured and unsecured loans, and the loan term cannot exceed 5 years at most, while the longest loan term of general credit loans is usually 3 years. Therefore, users who want to apply for long-term loans, it is best not to apply for credit loans, secured loans and mortgage loans can effectively extend the loan period.

In addition, the interest rate of bank credit loans is higher than that of secured loans and mortgage loans, so credit loans themselves are suitable for applying for short-term loans.

How many years can bank loans last?

The maximum age is not more than 30 years old.

Generally, the longest service life of ordinary credit loans is only 3 to 5 years, and the longest decoration loan does not exceed 10 years. When handling commercial housing loans, the longest service life shall not exceed 30 years, and the sum of the age at the time of borrowing and the loan period shall not exceed 70 years.

Extended data:

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

bank loan

According to different classification standards, there are many types of bank loans. For example:

According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.

According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

According to the loan scale, it can be divided into wholesale loans and retail loans;

According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.

short-term loan

Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation.

The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.

The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans.

The advantages of short-term loans are relatively low interest rates and relatively stable capital supply and repayment. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.

How many years can bank loans last?

Depending on the type of loan, the loan term is also different:

1. Mortgage: Generally speaking, the term of mortgage loan shall not exceed 30 years, and the sum of the borrowers' ages shall not exceed 65 years. Each bank in each region may be different, and borrowers can consult bank staff.

Two, personal consumption loans, divided into the following two situations:

1, long-term loans, usually borrowers can borrow for several years according to their actual needs, such as three to five years, and banks will also set a maximum term according to the qualifications and reputation of borrowers. If the borrower prepays, it may have to pay liquidated damages;

2. Short-term loans, as long as the borrower authenticates personal identity information and obtains a certain amount, can be repaid with the loan within the time limit, and the interest will be calculated on a daily basis.